I have been working with the Virtus team ( Howard, Wes, Tim, Deb, and others ) since 2009 and I am extremely pleased with the team. I find the team to be very professional, highly knowledgeable, thorough, flexible, accessible, and practical. Over time Howard has become more than professional help and advises on a variety of things; for example – Howard introduced me to running and made me realize health is wealth. I am blessed to have Howard and Teams support.